Fannie Mae and Freddie Mac’s Campaign to Lower Mortgage Rates

BiggerPockets Blog
Published: December 29, 2025
Pricing & Profitability

Summary

Fannie Mae and Freddie Mac are increasing their mortgage-backed securities holdings, potentially lowering mortgage rates. This could impact your investment strategy as lower mortgage rates might influence property values and buyer behavior. Keep an eye on the 10-year Treasury rate.

Key Insights

  • Fannie Mae and Freddie Mac increased their mortgage-backed securities (MBS) holdings by nearly one-third from May to October 2025.
  • The average 30-year fixed mortgage rate is currently 6.22% (mid-December).

Action Items

  • Keep an eye on the 10-year Treasury rate.
    Effort: low
    Impact: medium

Common Mistakes

  • Failing to understand how changes in mortgage rates and the broader economic environment could influence buyer behavior and property values.

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